Aditya Birla Capital Personal Loan Interest rates from 10% to 32% p.a
Get Aditya Birla Capital personal loans at interest rates starting from 10% to 32%. Enjoy quick disbursal, flexible EMIs, and hassle-free processing. Apply now!
Aditya Birla Capital Personal Loan Interest Rate
Personal loan of Aditya Birla Capital has an interest rate of 10% to 32% per annum; hence, the company is capable of providing loans to individuals for such essentials. Additional such parameters as an applicant’s credit history, the required sum of money, the period of repayments may influence the interest rate.
Determining the interest rate requires assessment of the credit history, credit score and their income level and the past period. Consumers with credit scores above 750 and low debt-to-income ratios are in the best position to snag the most preferable rates.
Aditya Birla Capital Interest Rate VS Other NBFCs
Comparison of Personal Loan Interest Rates of Banks (2025)
| Bank | Interest Rate | Loan Amount | Apply |
|---|---|---|---|
| DBS Bank | From 10.99% | Up to ₹15 Lakhs | Apply |
| HDFC | From 10.85% | Up to ₹40 Lakhs | Apply |
| Axis Bank | From 10.49% | Up to ₹40 Lakhs | Apply |
| ICICI Bank | 10.75% – 19% | Up to ₹40 Lakhs | Apply |
| Bank of Baroda | 10.75% – 18.5% | Up to ₹5 Lakhs | Apply |
| SBI | From 11% | Up to ₹30 Lakhs | Apply |
| IndusInd | From 10.49% | Up to ₹50 Lakhs | Apply |
| Yes Bank | From 10.99% | Up to ₹40 Lakhs | Apply |
| Standard Chartered | From 11.5% | Up to ₹50 Lakhs | Apply |
| IDFC | From 10.49% | Up to ₹50 Lakhs | Apply |
| Kotak Mahindra | From 10.99% | Up to ₹40 Lakhs | Apply |
| PNB | From 11.40% | Up to ₹20 Lakhs | Apply |
| Bandhan Bank | From 11.55% | Up to ₹25 Lakhs | Apply |
Comparison of Personal Loan Interest Rates of NBFCs (2025)
| NBFC | Interest Rate | Loan Amount | Apply |
|---|---|---|---|
| Piramal Finance | From 12.99% | Up to ₹35 Lakhs | Apply |
| Shriram Finance | From 14% | Up to ₹35 Lakhs | Apply |
| Tata Capital | From 10.99% | Up to ₹35 Lakhs | Apply |
| InCred | From 18% | Up to ₹3 Lakhs | Apply |
| Finnable | From 16% | Up to ₹10 Lakhs | Apply |
| PaySense | From 16.8% | Up to ₹5 Lakhs | Apply |
| Poonawalla | From 9.99% | Up to ₹30 Lakhs | Apply |
| Fullerton | From 11.99% | Up to ₹25 Lakhs | Apply |
| LendingKart | From 12% | Up to ₹3 Lakhs | Apply |
| Axis Finance | From 13% | Up to ₹25 Lakhs | Apply |
| Mahindra Finance | From 10.99% | Up to ₹10 Lakhs | Apply |
| Aditya Birla | From 11.99% | Up to ₹50 Lakhs | Apply |
| Bajaj Finance | From 11% | Up to ₹50 Lakhs | Apply |
Factors that may affect the interest rates of a personal loan
- Credit Score: Credit scores are used by companies to assess borrowers’ ability to pay back their loans, and a high score results in consumers paying lower rates of interest.
- Income Stability: People with a fixed income such as salaried employees or those who have a steady flow of income like the self-employed are subsidized with better interest rates.
- Loan Amount and Tenure: The higher loan amount might cost slightly higher interest rate while shorter loan tenure is associated to lower interest rate
- Employment Profile: Those who are employed in reliable companies or governments sectors are acknowledged for a better rate.
- Debt-to-Income Ratio: A low DTI ratio means that borrowers have a good ability to repay, and therefore lenders are encouraged to set forward attractive rates.
- Existing Relationship: Loyal customers who have an established financial relationship with the firm, e.g. by investing in or having an account with the firm may be offered a lower interest rate.
How to Secure the Best Interest Rate on Aditya Birla Capital Personal Loans?
- Maintain a High Credit Score: Check your credit status and always make payments to remain and above the score of 750.
- Opt for a Short Tenure: Shorter repayment period is less risky to the lender and hence comes with lower interest rates.
- Compare Loan Offers: Go through Aditya Birla Capital’s online platform to find out more about the rates and select the right product.
- Document everything: Make sure you provide all the necessary documents that are correct and current to prevent more time or extra charges for further paperwork
- Apply During Promotions: Look for special offers or festival offer or seasonal campaigns by Aditya Birla Capital for special offers
Aditya Birla Capital Personal Loan Interest Rate
An EMI calculator helps you estimate your monthly repayments, making financial planning easier.
Formula: EMI = \[P x R x (1+R)^N\] / \[(1+R)^N - 1\],
where:
P = Loan amount,
R = Monthly interest rate,
N = Loan tenure in months.
How It Works:
- Enter the loan amount.
- Input the applicable interest rate.
- Choose the desired repayment tenure.
Example Calculation:
- Loan Amount: ₹5,00,000
- Interest Rate: 14% p.a.
- Tenure: 5 years (60 months)
- Monthly EMI - ₹11,634.13
- Total Cost of the loan - ₹6.98 Lakh (Excluding fees and charges)
FAQs About Aditya Birla Personal Loan Interest Rates
1. Can I negotiate the personal loan interest rate with Aditya Birla Capital?
Yes, applicants with a strong credit score and existing financial relationships can negotiate for better rates.
2. What is the maximum loan tenure offered by Aditya Birla Capital?
The maximum loan tenure is typically from 12 to 84 months
3. What is the highest loan amount that I can get?
Aditya Birla Finance offers personal loan of upto 40 Lakhs, but the highest amount depends on your credit profile
4. What is the minimum salary required for Personal Loan?
Unlike other financial institutions, there is no minimum salary required for processing of Personal loan
5. Can I foreclose the loan?
Yes, you can foreclose your personal loan. However, you will have to check the foreclosure charges for the same
